A calculator and pen resting on paper for financial planning

Multiple scattered accounts are manageable while you're actively tracking them, but become a real burden for whoever eventually needs to step in.

Practical steps

Revisit this list annually — accounts tend to quietly multiply again over time without a periodic cleanup.
This article is general information, not financial or legal advice. Rules, costs, and program details vary and change over time — confirm current specifics with a licensed financial advisor or elder law attorney before making a decision.